Associate Card Sales

Job description

Associate Card Sales MSF


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If you’re looking for a career that will unlock new opportunities, join HSBC and experience the possibilities. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further.

Business Descriptor:

Retail Banking and Wealth Management serves more than 50 million customers worldwide with a complete range of banking and wealth management services to enable them to manage their finances and protect and build their financial futures. It is a global business that brings together management responsibility for Retail Banking, Wealth Management, Insurance and Asset Management with a focus on customer-centric propositions and innovative and efficient distribution channels.


Principal Responsibilities:

The position is responsible for the ongoing sales and promotion of Credit Cards and other products. The role incumbent will be responsible for increasing the Cards portfolio by sourcing new business contacts through focused onsite marketing activities, internal referrals, and leads while ensuring quality in acquired portfolio & superior customer experience.

· Maximize revenue growth and product profitability.
· Contribute to consistently deliver on the cards numbers as defined in the operating plan.
· Identify referral opportunities for other bank products such as mortgage, premier etc.
· Ensure a consistently high level of product and service delivery for relevant customer/ corporate touch points
· Ensure minimal customer complaints and timely / effective resolution in case of a complaint.
· Use learning from customer / corporate visits to provide feedback to the leadership team.
· Comply to all relevant AML regulations & Global Standards
· Develop a collaborative environment with all members of the sales team.
· Be a role model of HSBC Group Values, lead by demonstrating and driving value based culture that imbibes Treating Customer Fairly (TCF) principles in all spheres of RBWM Business.
· Ensure bank processes are followed with regards to product documentation, system usage, complaint management etc.
· Safeguard the bank from potential loss / damage arising out of customer complaints
· Comply with the applicable laws, regulations, Group and local policy related to Sanctions and AML policy of HSBC while undertaking various day to day operations.
· Demonstrate an understanding of PEP acceptance, prohibition, CDD & EDD guidelines in order to ensure that the INM RBWM is fully compliant with the PEP LoBP. Demonstrate an understanding of PEP acceptance, prohibition, CDD & EDD guidelines in order to ensure that the INM RBWM is fully compliant with the PEP LoBP.
· Be aware and identify high risk indicators for various products and Services offered by INM RBWM (ex. cash, insurance, credit cards products etc.)
· Ensure that all records are obtained in respect of INM RBWM customers or New to bank customer for any products and services provided by HSBC are as per the process laid down.
· Must ensure that the prescribed process is being followed while dealing with non-HSBC customers request for monetary instruments and wire transfers
· Ensure Adherence to the regulatory guidelines and internal AML & Sanction Policy of HSBC, which includes pouch and mail, monetary instruments, cash services and payment transparency Line of Business Procedures
· Must be aware of the scope of services of various products and services that are offered and those which are prohibited because of the guidelines laid down in the line of Business procedures and must ensure the same is communicated to customer in an effective and polite manner
If the role incumbent becomes aware of High Risk Indicators on Credit Cards that appears to be linked to money laundering or the financing of terrorism, it is to be reported in line with the Unusual Activity Reporting (UAR).

Desired profile

Qualifications :

·  Bachelor's degree or equivalent experience
·  Experience (preferable) in frontline customer services/ relationship management.
·  Strong communication, client focus and influencing skills
·  Sound knowledge on the Banking sector in general
·  Able to communicate well in English and local languages

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The Hongkong and Shanghai Banking Corporation Limited (HSBC) India